JP6217043B2 - Deposit / withdrawal management server apparatus, deposit / withdrawal management system, and operation method thereof - Google Patents

Description

  The present invention relates to a technique for suitably establishing a transaction when payment related to product purchase such as an online auction or online shopping is different from the timing of shipping the product.

  Conventionally, when a transaction is established in, for example, an online auction, the exhibitor sends the merchandise to the winning bidder, while the winning bidder pays the purchase amount (payment) to the exhibitor. Here, an online auction or the like is characterized in that the shipping timing of the product is different from the payment timing related to the purchase. For this reason, usually, after the seller confirms payment of the purchase price, the product is shipped, or when the successful bidder receives the shipped product, so-called "cash on delivery" is paid to the delivery person. I was trading.

  Patent Document 1 discloses a technique related to a system that generally performs processing related to an auction including shipping and payment confirmation.

JP 2007-115215 A

  However, the above conventional techniques have the following problems. That is, in the former case, a fraudulent act that the product purchaser does not ship the product after depositing is easily performed. In the latter case, although fraudulent activity on the product shipping side can be prevented, the product buyer refuses to receive the product maliciously or suddenly after the transaction has been established, and conversely the product shipper. There is a problem that a situation such as a loss of money can occur.

  In order to solve the above problems, when the payment is confirmed on the server device, the merchandise provider (the merchandise shipper) cannot use the deposit at that time, and the merchandise shipper is notified that the deposit has been made. Notice. Then, when the merchandise shipper who has received the notification ships the merchandise and confirms the information indicating that the merchandise purchaser has received it on the server device, the merchandise provider (the merchandise dispatcher) first receives the payment there. Configure to be used as money.

  Specifically, the product ID for identifying the product to be shipped to the product buyer and the dispatcher ID for acquiring the product ID in association with the shipper ID for identifying the product shipper, A receipt acceptance information acquisition unit that obtains the receipt information, which is information indicating that there is an association, with a purchaser ID that identifies the purchaser of the product, and a shipper identified by the shipper ID of the product related to the receipt information. Product receipt information for notifying that the payment has been received and product receipt information including the product ID and information indicating that the shipped product has been received in association with the purchaser ID The information acquisition unit, the purchaser ID acquired in association with the payment acceptance information, the authentication unit for determining whether the purchaser ID acquired in association with the product receipt information matches, and the determination results in the authentication unit match If it is a judgment result Providing output deposit management server device having, the availability information output unit that outputs the availability information is information for the payment has been valuables sender is available.

  In addition, a card that can receive and consume safely by making the receipt ID that can only be used for receipt and the consumption and use ID that can be used for consumption separate from each other and managing them in association with each other Is used to provide a deposit / withdrawal management system that allows the above-mentioned online auctions and online mail order transactions to be safely established by accepting payment for the card.

  Specifically, it is possible to raise the usage limit according to the deposit amount, and white that has two types of IDs, a receipt ID that can be used only for receipt and a consumption use ID that can be used for consumption use. A deposit / withdrawal management system using a card, which includes a deposit / withdrawal management server device, a withdrawal command device, and a white card ID management device.

  The deposit / withdrawal management server device associates and acquires a product ID for identifying a product to be shipped to the product purchaser and a shipper ID for identifying the shipper of the product, and purchases the product. Upon receipt of the payment, the receipt ID acquisition unit for acquiring the receipt ID of the white card to be deposited, and the receipt information indicating that the deposit has been made, are associated with the purchaser ID for identifying the purchaser of the product. A payment acceptance information acquisition unit to be acquired, a payment completion notification unit for notifying the sender identified by the shipper ID of the product related to the payment reception information, and the acquired payment ID, An output unit that outputs the payment receipt information in association with each other, a product reception information acquisition unit that acquires the product receipt information that is information indicating that the shipped product has been received in association with the purchaser ID, and the payment reception information. Associating The authentication unit that determines whether the purchaser ID acquired and the purchaser ID acquired in association with the product receipt information match, and the determination result that the determination result in the authentication unit is the same, the received money item A usable information output unit that outputs usable information, which is information for making the sender available, in association with the receipt ID.

  The withdrawal command device is associated with a receiving unit that receives the deposit acceptance information associated with the receipt ID from the withdrawal management server device, and a white card receipt ID associated with the received receipt acceptance information. A consumption use ID acquisition unit that acquires a consumption use ID from the white card ID management device, an available information reception unit that receives the available information associated with the payment ID, and acquisition when the available information is received. And a withdrawal command transmission unit that transmits a withdrawal command including a usage limit increase associated with the consumption use ID.

  In addition, the white card ID management device includes a tied table holding unit that holds a tied table in which the consumption use ID and the received ID are linked, a received ID receiving unit that receives the received ID from the pulling command device, A consumption use ID transmitting unit that acquires the consumption use ID associated with the received receipt ID from the association table and transmits the consumption use ID to the pulling command device.

  In addition to the withdrawal / withdrawal monitoring server device, the withdrawal command device, and the white card ID management device, a withdrawal command receiving unit that receives a withdrawal command from the withdrawal command device, a consumption use ID, and a usage limit A usage limit table holding unit that holds a usage limit table that is a table associated with the usage limit, and a usage limit that changes the usage limit associated with the consumption usage ID in the usage limit table according to the received withdrawal command There is also provided a deposit / withdrawal management system further comprising a white card management server device having a forehead change unit.

  With the present invention having the above-described configuration, even for transactions such as online auctions and online mail ordering that involve different purchases of goods and the timing of shipping of goods, the receipt of goods according to the payment and shipping After confirming, the transaction can be closed.

  Therefore, fraudulent acts such as the product buyer not shipping the product after payment, or the product buyer refuses to receive the product even if the transaction is once established, and the product shipper loses The situation can be prevented.

The conceptual diagram for demonstrating an example of the transaction using the deposit / withdrawal management server apparatus of Example 1 The figure showing an example of the functional block in the deposit / withdrawal management server apparatus of Example 1. The figure showing an example of the management table in the deposit / withdrawal management server apparatus of Example 1. The flowchart showing an example of the flow of a process in the deposit / withdrawal management server apparatus of Example 1. The conceptual diagram for demonstrating an example of the utilization form of the card | curd in the deposit / withdrawal management system of Example 2. FIG. The figure showing an example of the functional block in the deposit or withdrawal management system of Example 2. The figure showing an example of the GUI screen for payment ID acquisition in the deposit / withdrawal management system of Example 2. The conceptual diagram showing an example of the tied table currently hold | maintained at the tied table holding | maintenance part in the payment | withdrawal management system of Example 2. The flowchart showing an example of the flow of a process in the deposit / withdrawal management system of Example 2. The figure showing an example of the functional block in the deposit or withdrawal management system of Example 2. The figure for demonstrating an example of the change process of the usage limit in the payment | withdrawal management system of Example 3. The flowchart showing an example of the flow of the process in the deposit / withdrawal management system of Example 3. The figure showing an example of the functional block in the deposit or withdrawal management system of Example 4. The flowchart showing an example of the flow of a process in the deposit / withdrawal management system of Example 4.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. Note that the present invention is not limited to these embodiments, and can be implemented in various modes without departing from the spirit of the present invention.

  In the first embodiment, claims 1 and 4 will be mainly described. In the second embodiment, claims 2 and 5 will be mainly described. In the third embodiment, claims 3 and 6 will be mainly described. In the fourth embodiment, other embodiments will be described.

  Example 1

    <Overview>

  FIG. 1 is a conceptual diagram for explaining an example of a transaction using the deposit / withdrawal management server device of the present embodiment. For example, the user β presents an auction product at an online auction. Alternatively, a virtual store is opened in a virtual shopping mall on the network, and products are sold. Then, a product ID is assigned to the product and managed, and the product photo, product description, and the like are posted on a web page of an online auction or a virtual store. Then, the user who browsed the web page made a bid, and the product was awarded by a bid of 10,000 yen of the user α who is one of the bidders, and the auction transaction was completed. Or the merchandise sale transaction by reception of the merchandise purchase order of user (alpha) was materialized. Then, in the deposit / withdrawal management server device of the present embodiment, the product ID, the seller ID as the shipper of the product, the product purchaser ID, and the successful bid / purchase price are associated and registered, and the transaction contract Is managed as

  Thereafter, the user α makes a successful bid for the remittance broker or user β account described later, or a white card described later in the second embodiment together with the purchaser ID for identifying himself and the product ID of the successful bid product. / Process to deposit 10,000 yen as purchase money. Then, the result of the deposit process is acquired by the deposit / withdrawal management server apparatus of the present embodiment as shown in FIG.

  Then, as shown in FIG. 1 (b), the deposit / withdrawal management server apparatus of the present embodiment identifies the information indicating that the deposit has been made with respect to the transaction identified by the product ID by referring to the registration information described above. Notify the seller (product sender) by e-mail, for example. However, at this time, processing is performed so that even the account or card holder cannot withdraw the received winning bid.

  When the user β receives the notification, the user β sends the product to the user α by describing the product ID (or transaction ID) on a shipping slip or package. When the user α receives the shipping product, the user α inputs information indicating that the product has been received, together with the product ID and its own ID (purchaser ID), to the terminal device or the like. Notify the device. Then, as shown in FIG. 1 (c), the withdrawal / collection management server device cannot authenticate the receipt using the purchaser ID and confirm that the notification is indeed a receipt notification from the product purchaser. The usage permission is issued so that the payment related to the product ID that has been processed can be withdrawn. Alternatively, an instruction is issued to the user β to transfer the deposit temporarily stored to the remittance broker.

  In this way, even for transactions such as online auctions and online shopping where payment related to product purchases differs from the timing of product shipment, transactions can be made after confirming receipt of the product according to the payment and shipping. Can be established.

    <Functional configuration>

  FIG. 2 is a diagram illustrating an example of functional blocks in the deposit / withdrawal management server device according to the present embodiment. Note that the functional blocks of each device constituting the system described below can be realized as hardware, software, or both hardware and software. Specifically, if a computer is used, a CPU, a main memory, a bus, or a secondary storage device (a hard disk, a non-volatile memory, a storage medium such as a CD or a DVD, a read drive for the medium, etc.), information Input devices used for input, printing equipment, display devices, other hardware components such as external peripheral devices, interfaces for external peripheral devices, communication interfaces, driver programs for controlling these hardware, Other examples include application programs and user interface applications.

  Then, by CPU processing according to the program developed on the main memory, the data input from the input device or other interface and held in the memory or hard disk is processed and stored, An instruction for controlling the software is generated. The present invention can be realized not only as a system but also as a method. A part of the invention can be configured as software. Further, a software product used to cause a computer to execute such software and a recording medium on which the product is fixed are naturally included in the technical scope of the present invention (the same applies throughout the present specification). .

  Further, the present invention does not have to be realized by a single server device for all the configuration requirements, and is realized in cooperation by a plurality of devices sharing each configuration requirement and being connected via a network or the like. Also good.

  As shown in FIG. 2, the “withdrawal / payment management server device” (0200) of this embodiment includes a “shipment merchandise registration unit” (0201), a “payment acceptance information acquisition unit” (0202), “ A “payment completion notification unit” (0203), a “product receipt information acquisition unit” (0204), an “authentication unit” (0205), and an “usable information output unit” (0206).

  The “shipped product registration unit” (0201) has a function of acquiring a product ID for identifying a product shipped to a product purchaser and a shipper ID for identifying the shipper of the product, for example, It can be realized by a CPU, a main memory, a communication circuit, a shipping merchandise registration program, or the like.

  Specifically, for example, this shipping product registration unit is generated to identify a product related to the transaction when a product seller (shipper) generates a product auction page or sales page via the Internet. Obtained product ID is acquired. Next, when inputting the product description or product photo as the page content, the information input form is displayed on the terminal device of the product shipper, the shipper ID input on the page is acquired, and the generated For example, a configuration in which the product ID is associated with the product ID. The “product ID” does not identify the product itself, but may identify other information related to the product such as a transaction ID for identifying a transaction related to the product. Even in that case, when generating the auction page or the sales page of the product as described above, for example, a transaction ID is generated and acquired in order to identify the transaction.

  Then, in the process related to the product, for example, the receipt process of the payment related to the purchase of the product and the output process of the available information that can use the payment described later, various kinds of information are used as a medium through the product ID (or the transaction ID that replaces it). The information used for the processing is specified as information relating to which product or transaction, and information processing is executed.

  In addition, if the deposit / withdrawal management server device of the present embodiment is connected to and cooperates with a net auction server device or mail order server device via a network, the net auction server device or mail order server device is generated in the same manner as described above. The acquired product ID and shipper ID may be acquired by being transferred via a network.

  The product ID and the shipper ID acquired here are recorded and managed in association with a recording device such as an HDD. In addition, a purchaser ID input form for identifying a product purchaser may be displayed on the product purchaser's terminal and acquired together with the purchaser ID. In this case, the purchaser ID input form may be prepared for each product ID in order to identify which product is the purchaser. The ID and the product ID may be input together.

  In addition, the process of associating the purchaser ID with the product ID and the shipper ID is performed by assigning the shipper ID and purchaser ID that match the product ID when the payment receipt information is acquired by the next payment reception information acquisition unit. It is good also as a structure to relate.

  The “payment reception information acquisition unit” (0202) has a function of acquiring payment reception information, which is information indicating that there has been a payment related to product purchase, in association with a purchaser ID that identifies the purchaser of the product, For example, it can be realized by a CPU, a main memory, an I / O, a communication circuit, a deposit acceptance information acquisition program, or the like. Here, the payment acceptance information is acquired in association with the product ID, the transaction ID, etc. in order to indicate which product purchase is related to the payment as described above in addition to the purchaser ID.

  Specifically, a transaction contract is established between a product sender and a product purchaser for a product identified by a certain product ID or transaction ID. Then, the merchandise purchaser performs payment processing of the price related to the merchandise purchase together with the input of the merchandise ID (transaction ID) and the purchaser ID, and requests the merchandise shipper to perform the procedure for shipping the purchased merchandise. Therefore, the product purchaser makes a payment related to the product purchase.

  The deposit process is performed on a server device managed by a main body (intermediary) that accepts on behalf of the merchandise shipper, for example, an online mail order or an Internet auctioneer. The server device may be configured to acquire this deposit acceptance information from these external server devices via a network. An “intermediary” is a person who mediates remittance from the product purchaser to the product shipper. Specifically, the intermediary accepts the payment from the product purchaser and temporarily deposits it. The person who sends the deposit received after confirming that the purchased item has been received to the item shipper.

  In this case, the product purchaser accesses, for example, a payment page of the product identified by the product ID operated by the broker at a payment terminal installed at a convenience store or a user terminal at home (or a product on the general payment page). ID is input), for example, the card number for depositing or the own ID used for this transaction is entered as the purchaser ID and the settlement processing related to depositing is performed. Then, the receipt information is acquired by the mediator server device.

  In addition, if this deposit / withdrawal management server device itself is a bank server device and manages an account, or a server device that manages deposits with a white card, which will be described later, deposit acceptance based on the receipt processing information accepted by itself It is good also as a structure which produces | generates and acquires information. Or, for example, if payment for a bank account has been executed, payment acceptance information for a product related to a predetermined product ID via the network and the purchaser ID that made the payment from the bank server device that manages the bank account It is good also as a structure which acquires. Further, the purchaser ID at that time includes a credit card number used for depositing into the bank account or the like.

  Further, the deposit acceptance information is provided in a terminal device managed by the intermediary or the bank, and may be configured to cooperate with other components through a network.

  In addition, when the bank server device acquires the payment acceptance information, the bank server device in the system of the present embodiment is different from normal, and the balance of the account is not automatically increased immediately or after a predetermined time, The balance is raised only after receiving the output of usable information described later.

  FIG. 3 is a diagram illustrating an example of a management table that is generated and managed by acquiring the deposit acceptance information. As shown in this figure, with respect to a certain product, a product ID, a sender ID (exhibitor ID), a purchaser ID, a deposit amount thereof, and a flag indicating whether or not there is a deposit (acquired receipt information) are associated with each other. It is held.

  In the transaction using the deposit / withdrawal management server device of this embodiment, the product provider (shipper) cannot use the withdrawal of the deposited money item at this time, and the available information described later is not available. It can be used only after receiving the output.

  The “payment completion notification unit” (0203) has a function of notifying the shipper identified by the shipper ID of the product related to the deposit acceptance information that the deposit has been made, and includes a CPU, a main memory, and a communication circuit. Or a payment notification program. In addition, in this payment completion notification part, it is good to also acquire the product ID, transaction ID, etc. which were linked | related with payment acceptance information, in order to notify including which payment concerning the purchase of goods was received.

  Specifically, for example, this deposit / withdrawal management server device holds the mail address of the shipper in association with the shipper ID, and when the deposit acceptance information is acquired, the product ID related to the deposit is acquired. The table search process as shown in FIG. 3 is executed by the CPU calculation process. Then, as a result of the search, the ID of the shipper of the product identified by the product ID is specified, and to the e-mail address associated therewith, a fixed sentence that informs that the product ID (transaction ID) or payment has been completed For example, a notification mail in which a fixed title is described is transmitted. Alternatively, the address information and telephone number information are similarly stored in association with the shipper ID, and the address information and telephone number information are displayed on the operator terminal together with the product ID and notified by the operator's processing. good.

  By receiving this notification, the merchandise shipper can carry out the merchandise shipping procedure.

  The “product receipt information acquisition unit” (0204) has a function of acquiring product receipt information that includes a product ID and is information indicating that a shipped product has been received in association with the purchaser ID. And a main memory, a communication circuit, a product receipt information acquisition program, and the like. Note that the product ID included in the product receipt information may be a transaction ID or the like.

  Specifically, the product receipt information acquisition unit displays a product receipt confirmation page via the Internet on the terminal device of the product purchaser, and the product ID (or transaction ID) input on the page and the product For example, information for confirming receipt, and a configuration for acquiring a purchaser ID. In addition, with regard to the product receipt confirmation page, for example, a confirmation email containing a URL for confirming receipt is sent to the email address of a product purchaser registered in advance, and the product receipt is received when the product purchaser accesses the URL. It is good also as a structure which acquires information. At that time, the merchandise ID and the purchaser ID may be included in the receipt confirmation URL, and when accessed, the purchaser ID and the merchandise ID may be specified from the URL. Alternatively, the purchase confirmation URL is associated with the corresponding record in the management table as shown in FIG. 3, and when accessed, the management table is searched using the access URL as a key, and the purchaser is acquired together with the product receipt information. It is good also as a structure which specifies ID and goods ID.

  In addition, the product delivery information including the product ID and the purchaser ID (recipient ID) input to the product delivery company terminal and server device are linked to the product delivery company terminal and server device via the network. There is also a configuration in which the information is acquired via the.

  And, by adopting a configuration in which the product ID is included in the product receipt information and acquired, for example, the shipper side maliciously or carelessly sent a product different from the original product accidentally. In some cases, it can be confirmed by referring to the product ID and the registered product ID. Further, if the purchaser ID is known to the shipper side, there is a possibility that a malicious shipper will pretend to be a purchaser and input merchandise receipt information. For this reason, it is preferable that the purchaser ID is an ID that is unknown to the shipper or the like, or that the purchase confirmation URL is surely sent only to the purchaser.

  The “authentication unit” (0205) has a function of determining whether the purchaser ID acquired in association with the deposit acceptance information matches the purchaser ID acquired in association with the product receipt information. For example, the CPU or the main memory Can be realized by an authentication program. In addition, regarding the identification of the two purchaser IDs to be compared and determined, the product receipt information including the same product ID and the like is identified using the product ID and transaction ID associated with the deposit acceptance information, and is associated therewith. It may be configured to identify the purchaser IDs that are present.

  Specifically, the management table as shown in FIG. 3 is searched using the received product ID (or transaction ID) indicated by the product receipt information as a key. Then, the purchaser ID of the product hit in the search is specified. Subsequently, a determination process is performed by the CPU to determine whether or not the purchaser ID matches the purchaser ID acquired in association with the payment acceptance information related to the product identified by the product ID. If they do not match, for example, the authentication is rejected as an unauthorized product receipt notification by the shipper or the like, and if they match, the authentication is certainly established as a product receipt notification from the purchaser.

  The “usable information output unit” (0206) is information that is information for enabling the sender to use the received money item when the determination result in the authentication unit is the same. For example, a CPU, a main memory, a communication circuit, an available information output program, and the like. Further, this usable information is preferably output in association with the product ID and the transaction ID as described above in order to identify the deposited money to be used.

  The “gold item” basically indicates money received, but may include other products and services corresponding to the amount. Further, “making a gold item available” means that a merchandise shipper can perform payment or the like with the money in the system, or can receive a product or service. Specifically, the available information includes, for example, a balance increase command for a server device that manages a money account, a remittance command for a server device of an intermediary that temporarily deposits payment related to product purchase, or a product shipper. Direct and so on. In other words, in the case of the former withdrawal command, the bank server device or the white card management server device can use the received money for the first time after receiving the usable information. For example, processing such as raising the upper limit of the management amount associated with the amount of money received is performed.

  If the available information is the latter remittance instruction, the mediator server device executes a process to remit the payment related to the product purchase from the product purchaser as a temporary deposit to the bank account of the product shipper. It is a state of doing.

  In addition, if the deposit / withdrawal management server device of the present embodiment is configured integrally with these bank server device, white card management server device, and intermediary server device, the server device internally outputs Good. Further, if the gold item is a product or service, a process for placing an order for the product or service may be executed.

  Or it is good also as a structure which transmits and outputs the two-dimensional barcode etc. which show usable information to the mail address of a goods dispatcher, for example, and transmits the authentication information shown by the said usable information to an authentication server. In that case, when using the deposit, the shipper causes the withdrawal terminal such as ATM to read the two-dimensional bar code indicating the usable information, and the deposit is made by authentication with the authentication server using the usable information. This means that you will be able to use your money.

  As described above, even if the deposit / withdrawal management server device according to the present embodiment is a transaction in which payment relating to product purchase such as online auction or online mail order is different from the timing of shipping the product, depending on the deposit and shipment. After confirming receipt of the goods, the transaction can be concluded.

  <Process flow>

  FIG. 4 is a flowchart illustrating an example of a processing flow in the deposit / withdrawal management server device according to the present embodiment. The steps shown below may be steps executed by each hardware configuration of the computer as described above, or may be processing steps that constitute a program for controlling the computer recorded on a medium. I do not care.

  As shown in this figure, first, for example, a shipper of a product identifies a product shipper who identifies a product to be shipped to a product purchaser, which is input using a product registration page on the Internet. For example, the shipper ID is acquired in association with the product ID or transaction ID generated on the product registration page (step S0401). Next, payment receipt information, which is information indicating that there was a payment related to product purchase, generated by the purchaser of the product, for example, depositing into a bank account or a white card described later, The ID, transaction ID, and purchaser ID for identifying the purchaser of the product are obtained in association with each other (step S0402).

  Then, the shipper identified by the shipper ID of the product related to the acquired deposit acceptance information is notified that the deposit has been made, for example, by e-mail including a product ID or a fixed sentence indicating that the deposit has been made. (Step S0403).

  Then, the merchandise shipper who has received the notice executes the shipment of the merchandise, and the purchaser receives the shipped merchandise, so that the merchandise receipt information, which is information indicating that the shipped merchandise has been received, Acquired in association with the person ID (step S0404). Then, whether the purchaser ID acquired in association with the payment acceptance information matches the purchaser ID acquired in association with the product receipt information related to the product or transaction specified by the product ID associated with the payment acceptance information. When the judgment process is executed (step S0405) and the judgment result is a match, the availability information, which is information for enabling the shipper to use the received money item, for example, a bank that manages a bank account. The data is output to a server device, a white card management server device, or the like (step S0406).

    <Simple explanation of effect>

  Even if the deposit / withdrawal management server device of this embodiment is a transaction such as online auction or online mail order that has different payment timing for the purchase of goods and the shipment timing of the goods, the payment and receipt of the goods according to the shipment are received. After confirming, the transaction can be closed.

  Therefore, fraudulent acts such as the product buyer not shipping the product after payment, or the product buyer refuses to receive the product even if the transaction is once established, and the product shipper loses The situation can be prevented.

  << Example 2 >>

    <Overview>

  FIG. 5 is a conceptual diagram for explaining an example of a card usage form in the deposit / withdrawal management system of the present embodiment. In the same manner as in the first embodiment, the user β puts up an auction product at the net auction. Then, a product ID is assigned to the product and managed, and the product photo, product description, etc. are posted on the web page of the net auction. The user α made a successful bid for 10,000 yen by bidding using a web page. Then, in the deposit / withdrawal management server device of the present embodiment, the product ID, the seller ID as the shipper of the product, the product purchaser ID, and the successful bid amount are registered in association with each other, and the transaction contract is established. It is managed as

  Then, the user β notifies the user α of the receipt ID of the white card held by β by e-mail or the like. Then, as shown in FIG. 5A, the user α inputs the product ID related to the transaction and the received receipt ID at the deposit processing terminal for deposit processing, and performs a deposit process of 10,000 yen. Then, as shown in FIG. 5 (b), the deposit / withdrawal management server apparatus according to the present embodiment acquires information indicating that the deposit has occurred, and notifies the merchandise seller of the information by e-mail or the like. However, at this time, processing is performed so that even the holder of the card cannot withdraw the received money.

  When the user β receives the notification, the user β sends the product to the user α so that the product ID is known. When the user α receives the shipped product, the user α notifies the deposit / withdrawal management server device of the present embodiment of the receipt using the terminal device or the like. Then, as shown in FIG. 5 (c), the deposit / withdrawal management server device receives the notification and authenticates that it is a notification from the product purchaser, and then associates it with the receipt ID to provide another server device. The consumption / use ID managed in (1) is acquired from the white card ID management device. Then, a usage permission is issued to the withdrawal command device so that the withdrawal process of the deposit can be performed with the white card having the consumption use ID.

  In this way, even for transactions such as online auctions and online shopping where payment related to product purchases differs from the timing of product shipment, using a white card having a receipt ID and a consumption use ID, After confirming receipt of goods according to payment and shipping, it is possible to safely establish a transaction.

  There may be various entities that manage each device in the above description. For example, the pulling command device and the white card management device may be managed by one entity. For example, for security reasons, there may be a case where one pull-up command device is installed for each institution that issues cards. On the contrary, the white card ID management device may be managed by the service provider in an integrated manner, but one white card ID management device may be installed for each institution that issues cards. Further, for example, a plurality of devices such as a pull-up command device and a white card management device may be realized as one physical device, or conversely, one device is realized by combining a plurality of devices physically. Also good.

    <Functional configuration>

  FIG. 6 is a diagram illustrating an example of functional blocks in the deposit / withdrawal management system according to the present embodiment. As shown in this figure, the deposit / withdrawal management system of this embodiment includes a “withdrawal / withdrawal management server device” (0600), a “pull-up instruction device” (0610), and a “white card ID management device” (0620). And consist of

    (Structural requirements for deposit / withdrawal management server)

  First, the configuration requirements of the “input / output management server device” will be described. As shown in FIG. 2, the “withdrawal / payment management server device” (0600) includes a “shipment product registration unit”, a “receipt ID acquisition unit” (0601), a “payment reception information acquisition unit”, and a “payment”. An “notification completion part”, an “output part” (0602), a “product receipt information acquisition part”, an “authentication part”, and an “usable information output part” (0603).

  The “shipped product registration unit”, like the component having the same name as in the first embodiment, has a product ID for identifying a product shipped to a product purchaser and a shipper ID for identifying the shipper of the product. It has a function of acquiring in association with each other, and can be realized by a CPU, a main memory, a communication circuit, a shipping merchandise registration program, or the like.

  Specifically, for example, this shipping product registration unit is generated to identify a product related to the transaction when a product seller (shipper) generates a product auction page or sales page via the Internet. Obtained product ID is acquired. Next, when inputting the product description or product photo as the page content, the information input form is displayed on the terminal device of the product shipper, the shipper ID input on the page is acquired, and the generated For example, a configuration in which the product ID is associated with the product ID. The “product ID” does not identify the product itself, but may identify other information related to the product such as a transaction ID for identifying a transaction related to the product. Even in that case, when generating the auction page or the sales page of the product as described above, for example, a transaction ID is generated and acquired in order to identify the transaction.

  In the process related to the product, for example, the receipt process of payment related to the purchase of the product and the output process of usable information that can use the payment, various processes are performed using the product ID (or a transaction ID instead) as a medium. Information regarding which product or transaction is used as the information to be used is specified and information processing is executed.

  In addition, if the deposit / withdrawal management server device of the present embodiment is connected to and cooperates with a net auction server device or mail order server device via a network, the net auction server device or mail order server device is generated in the same manner as described above. The acquired product ID and shipper ID may be acquired by being transferred via a network.

  The product ID and the shipper ID acquired here are recorded and managed in association with a recording device such as an HDD. In addition, a purchaser ID input form for identifying a product purchaser may be displayed on the product purchaser's terminal and acquired together with the purchaser ID. In this case, the purchaser ID input form may be prepared for each product ID in order to identify which product is the purchaser. The ID and the product ID may be input together.

  In addition, the process of associating the purchaser ID with the product ID and the shipper ID is performed by assigning the shipper ID and purchaser ID that match the product ID when the payment receipt information is acquired by the next payment reception information acquisition unit. It is good also as a structure to relate.

  The “receipt ID acquisition unit” (0601) has a function of acquiring a receipt ID of a white card to be deposited at the time of deposit related to product purchase. For example, a CPU, a main memory, a communication circuit, and a receipt ID acquisition program Etc. In this receipt ID acquisition unit, a product ID, a transaction ID, and the like are acquired in association with each other in order to identify which product purchase is related to payment.

  “White card” refers to a card managed in association with the amount information indicating the limit of use in this system. By using this white card, it is possible to use money within the associated amount. . It should be noted that the usage limit of the white card is increased only by depositing actual money or equivalent money. In other words, it is different from a post-payment type credit card in which a third party makes payment on the basis of the credit information of the user and collects the price later from the user. Since it is shown, the credit card can be used without examination for determining necessary credit information.

  Of course, the name of the card is not limited to a white card, and the shape is not limited to a card. For example, a similar function may be realized by chip formation or programming, and a white card may be incorporated in a device such as a mobile phone or a wristwatch.

  Further, the “payment ID” refers to an ID that can be used only for receiving money. However, “available only for receiving money” means that it is used only for receiving money in relation to the white card and not used for consumption. Various uses are made in situations that are not related to the white card. An ID is also included. Therefore, for example, in addition to a dedicated ID issued for receiving money, a mobile / fixed telephone number, an e-mail address, a basic resident register number, and the like are also included.

  And this receipt ID acquisition part, if it is specifically realized by a deposit processing terminal as in the above example, for example, a form in which the receipt ID is directly input and obtained via a GUI or the like The form acquired by electronic reading etc. is mentioned. Specifically, as shown in FIG. 7, a form in which a receipt ID input by a user's mobile phone or the like is received via a network may be used. In addition, the code may include the receipt ID and the expected deposit amount.

  And since the receipt ID received here is different from the consumption / use ID of the white card described later, a person other than the user of the white card uses the white card for consumption even if he / she knows the receipt ID. I can't. Therefore, even if the purchaser is notified in the deposit process in this system, the receipt and consumption can be safely performed.

  The “payment reception information acquisition unit” has a function of acquiring payment reception information, which is information indicating that there has been a payment related to product purchase, in association with a purchaser ID that identifies the purchaser of the product. It can be realized by a main memory, an I / O, a communication circuit, a deposit acceptance information acquisition program, or the like. Here, the payment acceptance information is acquired in association with the product ID, the transaction ID, etc. in order to indicate which product purchase is related to the payment as described above in addition to the purchaser ID.

  Specifically, a transaction contract is established between a product sender and a product purchaser for a product identified by a certain product ID or transaction ID. Then, the merchandise purchaser performs payment processing of the price related to the merchandise purchase together with the input of the merchandise ID (transaction ID) and the purchaser ID, and requests the merchandise shipper to perform the procedure for shipping the purchased merchandise. Therefore, the product purchaser makes a payment related to the product purchase.

  The deposit process is performed on a server device managed by a main body (intermediary) that accepts on behalf of the merchandise shipper, for example, an online mail order or an Internet auctioneer. The server device may be configured to acquire this deposit acceptance information from these external server devices via a network.

  In this case, the product purchaser accesses, for example, a payment page of the product identified by the product ID operated by the broker at a payment terminal installed at a convenience store or a user terminal at home (or a product on the general payment page). ID is input), for example, the card number for depositing or the own ID used for this transaction is entered as the purchaser ID and the settlement processing related to depositing is performed. Then, the receipt information is acquired by the mediator server device.

  In addition, if the deposit / withdrawal management server device itself is a server device that manages the deposit by white card (of the white card provider), the deposit acceptance information is generated and acquired based on the deposit processing information accepted by itself. It is also good. The deposit acceptance information is provided in a terminal device managed by the intermediary or the white card provider, and may be configured to cooperate with other constituent elements via a network.

  FIG. 3 described above is a diagram illustrating an example of a management table generated and managed by acquiring the deposit acceptance information. As shown in this figure, with respect to a certain product, a product ID, a sender ID (exhibitor ID), a purchaser ID, a deposit amount thereof, and a flag indicating whether or not there is a deposit (acquired receipt information) are associated with each other. It is held.

  In the transaction using the deposit / withdrawal management server device of this embodiment, the product provider (shipper) cannot use the withdrawal of the deposited money item at this time, and the usable information is output. It is characterized by being able to use it only after receiving it.

  The “payment completion notification section” has a function of notifying the shipper identified by the shipper ID of the product related to the receipt of payment information that the deposit has been made. The CPU, main memory, communication circuit, It can be realized by a notification program or the like. In addition, in this payment completion notification part, it is good to also acquire the product ID, transaction ID, etc. which were linked | related with payment acceptance information, in order to notify including which payment concerning the purchase of goods was received.

  Specifically, for example, this deposit / withdrawal management server device holds the mail address of the shipper in association with the shipper ID, and when the deposit acceptance information is acquired, the product ID related to the deposit is acquired. The table search process as shown in FIG. 3 is executed by the CPU calculation process. Then, as a result of the search, the ID of the shipper of the product identified by the product ID is specified, and to the e-mail address associated therewith, a fixed sentence that informs that the product ID (transaction ID) or payment has been completed For example, a notification mail in which a fixed title is described is transmitted. Alternatively, the address information and telephone number information are similarly stored in association with the shipper ID, and the address information and telephone number information are displayed on the operator terminal together with the product ID and notified by the operator's processing. good.

  By receiving this notification, the merchandise shipper can carry out the merchandise shipping procedure.

  The “output unit” (0602) has a function of outputting the received receipt ID and the deposit acceptance information in association with each other, and for example, transmitting the information to the next withdrawal command device via a network or the like. Condition. Of course, this output unit also outputs a product ID, a transaction ID, and the like associated with the receipt information to be output in order to identify which product purchase output information.

  The “product receipt information acquisition unit” has a function of acquiring product receipt information including a product ID and indicating that the shipped product has been received in association with the purchaser ID, for example, a CPU or a main memory , A communication circuit, a product receipt information acquisition program, and the like. Note that the product ID included in the product receipt information may be a transaction ID or the like.

  Specifically, the product receipt information acquisition unit displays a product receipt confirmation page via the Internet on the terminal device of the product purchaser, and the product ID (or transaction ID) input on the page and the product For example, information for confirming receipt, and a configuration for acquiring a purchaser ID. In addition, with regard to the product receipt confirmation page, for example, a confirmation email containing a URL for confirming receipt is sent to the email address of a product purchaser registered in advance, and the product receipt is received when the product purchaser accesses the URL. It is good also as a structure which acquires information. At that time, the merchandise ID and the purchaser ID may be included in the receipt confirmation URL, and when accessed, the purchaser ID and the merchandise ID may be specified from the URL. Alternatively, the purchase confirmation URL is associated with the corresponding record in the management table as shown in FIG. 3, and when accessed, the management table is searched using the access URL as a key, and the purchaser is acquired together with the product receipt information. It is good also as a structure which specifies ID and goods ID.

  In addition, the product delivery information including the product ID and the purchaser ID (recipient ID) input to the product delivery company terminal and server device are linked to the product delivery company terminal and server device via the network. There is also a configuration in which the information is acquired via the.

  And, by adopting a configuration in which the product ID is included in the product receipt information and acquired, for example, the shipper side maliciously or carelessly sent a product different from the original product accidentally. In some cases, it can be confirmed by referring to the product ID and the registered product ID. Further, if the purchaser ID is known to the shipper side, there is a possibility that a malicious shipper will pretend to be a purchaser and input merchandise receipt information. For this reason, it is preferable that the purchaser ID is an ID that is unknown to the shipper or the like, or that the purchase confirmation URL is surely sent only to the purchaser.

  The “authentication unit” has a function of determining whether the purchaser ID acquired in association with the payment acceptance information matches the purchaser ID acquired in association with the product receipt information. For example, the CPU, main memory, authentication program Can be realized. In addition, regarding the identification of the two purchaser IDs to be compared and determined, the product receipt information including the same product ID and the like is identified using the product ID and transaction ID associated with the deposit acceptance information, and is associated therewith. It may be configured to identify the purchaser IDs that are present.

  Specifically, the management table as shown in FIG. 3 is searched using the received product ID (or transaction ID) indicated by the product receipt information as a key. Then, the purchaser ID of the product hit in the search is specified. Subsequently, a determination process is performed by the CPU to determine whether or not the purchaser ID matches the purchaser ID acquired in association with the payment acceptance information related to the product identified by the product ID. If they do not match, for example, the authentication is rejected as an unauthorized product receipt notification by the shipper or the like, and if they match, the authentication is certainly established as a product receipt notification from the purchaser.

  The “usable information output unit” (0603) is information that is used for the sender to use the received money item when the determination result in the authentication unit is the same. Can be realized by a CPU, a main memory, a communication circuit, an available information output program, and the like. Further, this usable information is preferably output in association with the product ID and the transaction ID as described above in order to identify the deposited money to be used.

  Note that “gold item” and “make a gold item available” are as described in the first embodiment. Specifically, the usable information includes, for example, a balance increase command for a server device that manages a white card usage limit, a remittance command for a server device of an intermediary that temporarily deposits money related to product purchase, and the like. Can be mentioned. In other words, in the case of the former withdrawal command, the white card management server device can use the received money for the first time after receiving the usable information by the following configuration. For example, processing such as raising the upper limit of the management amount associated with the amount of money received is performed.

  Also, if the available information is the latter remittance instruction, the broker server device executes a process for depositing the payment related to the product purchase from the product purchaser as a temporary deposit into the white card of the product sender. It is a state of doing.

  Further, if the deposit / withdrawal management server device of the present embodiment is configured integrally with the white card management server device and the mediator server device, it may be configured to output the server device internally. Further, if the gold item is a product or service, a process for placing an order for the product or service may be executed.

    (Configuration requirements for pull-up instruction device)

  Next, returning to FIG. 6, the constituent requirements of the “pull-up instruction device” will be described. As shown in FIG. 6, the “pull-up instruction device” (0610) includes a “reception unit” (0611), a “consumed use ID acquisition unit” (0612), and an “available information reception unit” (0613). And “pull-up command transmitter” (0614).

  The “reception unit” (0611) has a function of receiving the deposit acceptance information associated with the receipt ID from the deposit / withdrawal management server device, and receives such information via, for example, a network. . Further, in this receiving unit, in order to identify which product purchase receipt information is related to the receipt of payment, a product ID or transaction ID associated with the receipt of receipt information may be acquired together.

  The “consumption usage ID acquisition unit” (0612) has a function of acquiring, from the white card ID management device, a consumption usage ID associated with the received ID of the white card associated with the received deposit acceptance information. “Consumption use ID” means a consumption use ID that a white card user can use for consumption. Basically, it is confidential information that only a white card user and a system administrator can know. It is assumed that

  In this way, only the user knows the receipt ID (for example, mobile phone number: 090-xxx-xxx) that is known to be used for payment by other than the white card user in the white card ID management device. By converting to a consumption use ID (for example, a secret card ID: 0123), it is possible to safely receive and consume with this white card. The details of the conversion process from the receipt ID to the consumption use ID in the white card ID management device will be described in the following explanation of the configuration requirements of the white card ID management device.

  Also, the amount of increase in the limit of use in a later-described withdrawal order is determined by the amount received. Therefore, the consumption / use ID acquisition unit may acquire the consumption / use ID together with information indicating the amount of the increase. Or it is good also as a structure which acquires product ID and transaction ID together in order to identify the deposit amount, and refers to the receipt information received related with the product ID etc.

  The “Available Information Receiving Unit” (0613) has a function of receiving available information associated with the receipt ID. In addition, as described in the available information output unit, the available information receiving unit matches the product ID and transaction ID associated with the available information in order to identify the received money item that can be used. Receive. The pull-up command device transmits the pull-up command only after receiving this usable information. As a result, the receipt of the merchandise (transaction) identified by the merchandise ID or the transaction ID is confirmed by the deposit / withdrawal management server, and the usage amount corresponding to the deposit to the white card is raised for the first time.

  The “withdrawal command transmission unit” (0614) has a function of transmitting a withdrawal command including a usage limit increase amount associated with the acquired consumption use ID when the usable information is received. Specifically, a white card is issued and managed only when an instruction such as “increase the 10,000 yen usage limit for the card with the card ID: 0123” is received when the usable information about the card ID: 0123 is received. For example, it is transmitted to a server device of a company. Then, the server apparatus that has received the withdrawal command can manage the white card so that it can be used for shopping or the like by raising the use limit of the white card by 10,000 yen. It should be noted that the “use limit deduction amount” may be the face value received as it is, or may be a face value with a fee subtracted or a face value increased by some kind of privilege.

  Moreover, regarding the amount of increase in the usage limit, the product ID and the transaction ID may be transmitted in association with the withdrawal instruction instead. In that case, the receiving destination of the withdrawal command may acquire and refer to the deposit acceptance information associated with the product ID and specify the withdrawal amount.

    (White card ID management device)

  Next, the configuration requirements of the “white card ID management device” will be described. As shown in FIG. 6, the “white card ID management device” (0620) includes a “correlation table holding unit” (0621), a “payment ID receiving unit” (0622), and a “consumption use ID transmitting unit” ( 0623).

  The “correlation table holding unit” (0621) has a function of retaining a correlation table in which a consumption use ID and a receipt ID are linked, and can be realized by various storage media such as a hard disk drive.

  FIG. 8 is a conceptual diagram showing an example of this association table. As shown in this figure, for example, a mobile phone number “090-xxx-xxxx” is used as a receipt ID, and a consumption use ID “0123” is associated therewith. Alternatively, the consumption use ID “1234” is associated with the e-mail address “α@yyy.ne.jp” that is the receipt ID, or the consumption use ID “5432” is associated with the dedicated ID “USER-001”. , And so on.

  In this way, it is possible to safely receive money by designating a mobile phone number without raising the consumption use ID to the sender, and to raise the white card usage limit.

  In addition, the consumption / use ID held in the association table is managed by combining two types of fixed ID (card ID used for actual consumption) and variable ID (one-time use-up ID). It may be configured so that the ID used for actual consumption is not notified to the pulling instruction device, and its security may be improved. For example, when the receipt ID is received, a variation ID that is used only once is generated separately from the fixed ID, and the variation ID is transmitted to the withdrawal command device as a consumption use ID. For example, the set of the variable ID and the fixed ID is transmitted to a server device of an issuance manager of a white card that actually manages by raising the usage limit amount in accordance with the withdrawal command.

  The “receipt ID receiving unit” (0622) has a function of receiving the receipt ID from the pulling command device, and for example, receiving it via a network or the like. In addition, when the white card ID management device and the pull-up command device are physically realized by one device, it is preferable that information is transmitted and received internally via a bus line or the like. In addition, in order to identify which payment ID is related to the payment related to the purchase of the product, the product ID and the transaction ID associated with the payment ID as described above may be received together.

  The “consumption use ID transmission unit” (0623) has a function of acquiring a consumption use ID associated with the received receipt ID from the association table and transmitting it to the pulling command device. The above table is searched by arithmetic processing, and the corresponding consumption use ID is returned via a network (or an internal bus line) or the like.

  As described above, in the present embodiment, by using a white card having a different receipt ID and consumption / use ID, a merchandise seller can safely receive payment from a third party (product purchaser). Yes, it is possible to ship the goods after confirming the payment.

  In addition, in the transmission part of this consumption use ID, by using the received product ID or transaction ID, the deposit amount indicated by the deposit acceptance information is obtained, so that the increase amount of the use limit related to the consumption use ID is obtained. It may be calculated and transmitted in association with the consumption use ID. Alternatively, the product ID and the transaction ID may be transmitted in association with the withdrawal command instead of the withdrawal amount of the usage limit.

    <Process flow>

  FIG. 9 is a flowchart showing an example of a processing flow in the deposit / withdrawal management system of the present embodiment. The steps shown below may be steps executed by each hardware configuration of the computer as described above, or may be processing steps that constitute a program for controlling the computer recorded on a medium. I do not care.

  As shown in this figure, first, for example, a shipper of a product identifies a product shipper who identifies a product to be shipped to a product purchaser, which is input using a product registration page on the Internet. The shipper ID is acquired in association with, for example, the product ID or transaction ID generated on the product registration page (step S0901). Subsequently, when the transaction of the product is established, the product shipper notifies the purchaser of the product of the receipt ID of the white card held by the customer by e-mail or the like. Then, a purchaser inputs the receipt ID and own purchaser ID, for example with a payment processing terminal, and performs a payment process. Then, the payment acceptance information, which is information indicating that there has been a payment related to the purchase of the product, generated by the payment, the purchase ID for identifying the purchaser of the product ID, the transaction ID and the product, and the payment ID Obtained in association (step S0902).

  Then, the shipper identified by the shipper ID of the product related to the acquired deposit acceptance information is notified that the deposit has been made, for example, by e-mail including a product ID or a fixed sentence indicating that the deposit has been made. (Step S0903). Further, the deposit acceptance information and the receipt ID are output to the withdrawal command device (step S0904).

  Then, the merchandise shipper who has received the notice executes the shipment of the merchandise, and the purchaser receives the shipped merchandise, so that the merchandise receipt information, which is information indicating that the shipped merchandise has been received, Acquired in association with the person ID (step S0905). Then, whether the purchaser ID acquired in association with the payment acceptance information matches the purchaser ID acquired in association with the product receipt information related to the product or transaction specified by the product ID associated with the payment acceptance information. When the judgment process is executed (step S0906) and the judgment result is that they match, the available information, which is information for enabling the shipper to use the received money item, includes the receipt ID and the product ID, In association with the transaction ID, the transaction ID is output to the withdrawal command device (step S0907).

  Then, the withdrawal instruction device receives the receipt information received in association with the receipt ID or the product ID in step S0907 (step S0911), and receives the white card associated with the received receipt information. The gold ID is transmitted to the white card ID management device (step S0912).

  Then, the white card ID management device receives the receipt ID from the withdrawal command device (step S0921), and obtains the consumption use ID by referring to the association table held in advance (step S0922). Then, the consumption use ID is returned to the pull-up command device (step S0923). In this case, the product ID is received together with the receipt ID, and the product ID may be returned in association with the consumption use ID.

  Then, the withdrawal instruction device acquires the returned consumption use ID (step S0913), and the consumption use ID is ignited with a withdrawal command including the acquired consumption use ID and the amount of use limit increase. Only when the available information associated with the received ID is received (step S0914), it is transmitted (step S0915). At that time, a withdrawal command including a withdrawal amount calculated by referring to the deposit acceptance information specified using the product ID received together with the consumption use ID may be generated. Alternatively, the product ID may be included in the withdrawal command instead of the usage limit reduction amount.

  The flow of the above process is an example. For example, the pull-up instruction device transmits a pull-up instruction with a restriction such as withdrawal in advance, and a process of releasing the restriction by using the available information transmitted later. It may be a flow.

    <Simple explanation of effect>

  Even if the deposit / withdrawal management system of this embodiment is a transaction such as online auction or online mail order with different payment timing for goods purchase and shipping of goods, a white card having a receipt ID and a consumption use ID is used. The transaction can be safely concluded after confirming the receipt of the product according to the payment and the shipment.

  In addition, it is not necessary to review credit information in advance, and by using a white card whose receipt ID and consumption ID are different, even a person who does not have a credit card can purchase a third party (product purchase Can be safely received, and the goods can be shipped after confirming the payment.

  Example 3

    <Overview>

  This embodiment is based on the above embodiment, and further manages the white card usage limit so that it can be used in accordance with the withdrawal command transmitted from the withdrawal command device. This is a deposit / withdrawal management system comprising a “white card management server device” which is a server device.

  This “white card management server device” has a function of managing a consumption usage ID and its usage limit in association with each other, and changing the usage limit when a withdrawal command is received. Therefore, for example, when a white card is presented at a store or the like and an inquiry about whether or not a card including a consumption use ID is accepted from the store terminal, a determination is made as to whether or not the card whose usage limit has been changed according to the withdrawal order can be used. It can be done.

    <Functional configuration>

  FIG. 10 is a diagram illustrating an example of functional blocks in the deposit / withdrawal management system according to the present embodiment. As shown in this figure, the deposit / withdrawal management system according to the present embodiment is based on the above-described first embodiment, and includes a “withdrawal management server apparatus” (1000), a “pull-up instruction apparatus” (1010), and a “white card”. ID management device "(1020). In addition, since the functional block etc. in these apparatuses have been described in the said Example, the description is abbreviate | omitted.

  The deposit / withdrawal management system according to the present embodiment further includes a “white card management server device” (1030).

    (White card management server device)

  As shown in FIG. 10, the “white card management server device” includes a “pickup command receiving unit” (1031), a “use limit table holding unit” (1032), and a “use limit changing unit” ( 1033).

  The “pull-up command receiving unit” (1031) has a function of receiving a pull-up command from a pull-up command device, and obtains this pull-up command via, for example, the Internet network.

  The “use limit table holding unit” (1032) has a function of holding a use limit table, and can be realized by various storage media such as an HDD. The “use limit table” refers to a table in which the consumption use ID and the use limit are associated with each other. For example, when a card is actually presented at a store or the like, the use limit amount is referred to. That is, it is determined whether or not it can be used. In this embodiment, the use limit is configured to be changeable according to the amount of money received by the following configuration.

  The “use limit changing unit” (1033) has a function of changing the use limit associated with the consumption use ID in the use limit table in accordance with the received withdrawal command.

  FIG. 11 is a diagram for explaining an example of processing for changing the usage limit amount. As shown in FIG. 11A, the usage limit associated with the consumption usage ID “0123” is “100,000 yen”. Here, when 10,000 yen is deposited with respect to the white card of ID: 0123 (receipt ID: 090-xxx-xxx), the white card management server device receives a withdrawal instruction to that effect. Then, as shown in FIG. 11B, the usage limit amount associated with the consumption usage ID “0123” is updated to “110,000 yen”.

  And since the withdrawal command that triggers the withdrawal processing of the usage limit amount is sent in response to the output of the available information, it can be used after confirming the shipment and payment in the transaction of the product. The limit will be raised.

  The white card management server device may be configured to receive information indicating that payment within the limit amount has been executed and raise the limit amount by the amount of payment. By doing so, it becomes possible to appropriately change and manage the use limit amount according to the receipt and use of the card.

  In addition, about the amount of change in this usage limit amount changing part, when the product ID or transaction ID is transmitted in association with the withdrawal command, the receipt information associated with the product ID or transaction ID is specified. Then, it may be determined by acquiring the deposit amount.

    <Process flow>

  FIG. 12 is a flowchart showing an example of the flow of processing in the deposit / withdrawal management system of the present embodiment. The steps shown below may be steps executed by each hardware configuration of the computer as described above, or may be processing steps that constitute a program for controlling the computer recorded on a medium. I do not care.

  The processing until the pulling command is transmitted from the pulling command device has already been described with reference to FIG.

  Then, when the white card management server device receives the withdrawal command including the consumption usage ID and the usage limit discount amount transmitted from the withdrawal command device (step S1231), the consumption included in the received withdrawal command. In accordance with the usage ID, the usage limit amount associated with the consumption usage ID is acquired in the usage limit amount table held in advance (step S1232). Then, the acquired usage limit amount is changed according to the usage limit increase amount included in the increase command (step S1233).

    <Simple explanation of effect>

  With the deposit / withdrawal management system of this embodiment, after the shipping and deposit in the transaction of goods can be confirmed properly, the usage limit is raised, and the card usage limit can be changed based on the increased amount It is possible to manage and determine whether or not the card can be used within the range of the changed usage limit.

  Example 4

    <Overview>

  This embodiment is based on the above embodiment, and further has a function of authenticating a depositor who wants to deposit into a white card using, for example, a convenience store or his own terminal, etc. It is.

  For example, according to the law as of September 2009, it is stipulated that when a deposit of 100,000 yen or more is made to another person, the identity of the depositor is authenticated. Therefore, in this embodiment, it is possible to make a deposit of 100,000 yen or more by authenticating the depositor in the system. Regardless of laws and regulations, authenticating the identity of the depositor can also be expected to suppress the use of the fraud and other malicious acts.

  Specifically, text information such as an address and name written in a passport photo or passport in advance is registered in the personal authentication server, and a personal ID and password are issued to the registered user in accordance with the registration. When depositing, a pair of a password and a personal ID is input, and authentication is performed depending on whether the pair matches.

    <Functional configuration>

  FIG. 13 is a diagram illustrating an example of functional blocks in the deposit / withdrawal management system according to the present embodiment. As shown in this figure, the deposit / withdrawal management system according to the present embodiment is based on the above-described first embodiment and includes a “withdrawal management server apparatus” (1300), a “pull-up instruction apparatus” (1310), and a “white card”. ID management device "(1320). Further, on the basis of the second embodiment, a “white card management server device” (not shown) may be provided.

  The deposit / withdrawal management system according to the present embodiment further includes a “personal authentication server device” (1330), and each constituent requirement as described later by the “pick-up command device” or “withdrawal management server device”. It is characterized by having.

    (Personal authentication server device)

  As shown in FIG. 13, the “personal authentication server device” (1330) includes a “personal ID holding unit” (1331), a “specific request acquisition unit” (1332), a “determination unit” (1333), A result information reply unit "(1334).

  The “personal ID holding unit” (1331) is image information of a document that can specify an individual publicly such as a license, an insurance card, a passport, etc. And a personal ID associated with the character information and a password for the user specified by the personal ID, and can be realized by, for example, an HDD or other storage medium.

  Note that acquisition of image information and / or character information held by the personal ID holding unit, issuance of a personal ID and a user password, and the like may be realized by various methods. For example, user registration is requested when using this system, and a copy of a driver's license, insurance card, passport, etc. is sent by FAX at the time of registration. Then, there is a method in which the FAX data is captured as image data, a personal ID and a password are newly generated and returned to the registered user. At that time, the FAX data of the license may be analyzed with an OCR (optical character reader) or the like, and character information such as address information may be registered simultaneously. Alternatively, the user can access the registration server separately on the user terminal, and obtain the information of documents that can be used to identify individuals, such as a passport, as text information via the GUI screen displayed there. The method of doing is also mentioned.

  Further, the image data may be directly transmitted from the user's terminal for acquisition, or the personal ID or password arbitrarily input by the user may be registered after the duplication determination process.

  In either case, the personal ID and password pair is held as authentication information, and the individual authentication of the depositor is realized by determining matching with the pair information input at the time of depositing. . In addition, this group information is also associated with data such as “image information” and “text information” of documents that can be used to identify individuals, such as licenses, insurance cards, and passports. The image information and text information can also be used for authentication.

  In addition, regarding the matching process of the personal ID and password pair held here, the source of the information to be matched may be from either the withdrawal command device or the deposit / withdrawal management server device. Therefore, hereinafter, the configuration requirements in both patterns will be described together.

  The “specific request acquisition unit” (1332) has a function of acquiring a specific request including a pair of a password and a personal ID from the withdrawal command device or the deposit / withdrawal management server device. Specifically, for example, a GUI for causing a deposit processing terminal or the like to input a personal ID and password is displayed at the time of depositing, and the pair of the personal ID and password entered there is directly received from the deposit / withdrawal management server device or For example, it is obtained indirectly via a pull-up command device.

  The “determination unit” (1333) has a function of determining whether the password and personal ID pair included in the acquired specific request matches the password and personal ID pair stored in the personal ID storage unit, For example, it can be realized by a CPU, a main memory, a determination program, or the like. In this way, it is possible to determine whether or not the depositor is a registered user and authenticate the user.

  Further, the determination process in the determination unit may be determined in consideration of the following information. That is, when the personal authentication server device acquires a specific request from a deposit processing terminal or the like, it returns image information or character information associated with the personal ID and password included in the request to the store clerk system at the deposit store. Then, the store clerk displays the image on the display, and whether or not the actual face of the depositor and the face of the image, or text information such as an address written on a separately filled-in form is identical or similar. Is input to the deposit processing terminal. Then, in addition to whether the password / personal ID pair is matched, the input visual confirmation information is taken into account, and the determination for the personal authentication is performed.

  The “result information return unit” (1334) has a function of returning result information, which is information indicating that the determination result indicates that the determination result matches. It should be noted that even when the judgment results do not match, the mismatch result information indicating that they do not match may be returned.

  Further, the return destination of the result information is the withdrawal command device or the deposit / withdrawal management server device that is the transmission source of the specific information. Then, when the result information is returned to the withdrawal command device, the authentication result is reflected in the deposit possibility by controlling the output of the withdrawal command according to the result information. On the other hand, when the result information is sent back to the deposit / withdrawal management server device, by controlling the output of the receipt ID and the receipt information received according to the result information, the identity authentication result is reflected in the possibility of deposit. , And so on.

    (Pull-up instruction device)

  As shown in FIG. 13, the “pull-up instruction device” (1310) includes a “personal ID input reception unit” (1311), a “personal ID transmission unit” (1312), and a “result information reception unit” (1313). And “pull-up command transmission control unit” (1314). Note that illustration and description of the constituent elements already described in the above embodiment are omitted.

  The “personal ID input accepting unit” (1311) has a function of accepting an input of a pair of a password and a personal ID from a user who wants to make a deposit. And a GUI screen that prompts the user to input a pair of personal ID and the like. If the withdrawal command device is not incorporated in the deposit processing terminal or the user terminal, it is not possible to accept a password / personal ID pair input directly from the user. In such a case, the GUI screen or the like is displayed on the deposit processing terminal or the like by the function of the deposit processing terminal or the deposit / withdrawal management server device, and the input password / personal ID pair is indirectly received. good.

  Moreover, this personal ID input reception part may have the following functions further. That is, as described above, the current law stipulates that personal authentication is required for deposits of 100,000 yen or more. Therefore, the CPU determines whether the deposit amount entered together with the receipt ID is, for example, 100,000 yen or more by a calculation process of the CPU, and if it is 100,000 yen or more according to the judgment result, the personal ID and It is configured to accept input of a password pair.

  The “personal ID transmission unit” (1312) has a function of transmitting the received password / personal ID pair as a specific request to the personal authentication server apparatus.

  The “result information receiving unit” (1313) has a function of receiving result information returned from the personal authentication server device in response to the transmitted specific request.

  The “pull-up command transmission control unit” (1314) has a function of controlling so that a pull-up command can be transmitted only when result information is received. In this way, personal authentication is performed using a combination (pair) of personal ID and password, or, in some cases, visual confirmation information such as a store clerk using image information, and only when the person is authenticated. A command can be transmitted to execute a deposit process for the white card.

    (Withdrawal management server device)

  As shown in FIG. 13, the “withdrawal / withdrawal management server device” (1300) includes a “personal ID input acceptance unit” (1301), a “personal ID transmission unit” (1302), and a “result information reception unit” (1303). ) And an “output unit control unit” (1304). Note that illustration and description of the constituent elements already described in the above embodiment are omitted. In addition, since the functions and the like of the above-mentioned constituent elements with the same name in the pull-up instruction device are the same, description thereof is omitted.

  The “output unit control unit” (1304) has a function of controlling the output unit so that the receipt ID acquired only when the result information is received and the receipt information are output in association with each other. Even in this configuration, personal identification is performed using a combination (pair) of personal ID and password, or, in some cases, visual confirmation information such as a store clerk using image information, and only when the person is authenticated. A command can be transmitted to execute a deposit process for the white card.

    <Process flow>

  FIG. 14 is a flowchart illustrating an example of a processing flow in the deposit / withdrawal management system according to the present embodiment. The steps shown below may be steps executed by each hardware configuration of the computer as described above, or may be processing steps that constitute a program for controlling the computer recorded on a medium. I do not care.

  Note that the processing flow related to the withdrawal command transmission by the deposit / withdrawal management server device and the withdrawal command device has already been described in FIG.

  First, the personal authentication server device can specify the individual, such as a license, insurance card, passport, etc., to identify the individual of the user who is going to deposit by requesting user registration, for example. The image information and character information of a simple document are acquired (step S1431). Then, a personal ID and a password for the user specified by the personal ID are generated or acquired in association with the image information, and are associated with each other and recorded in the personal ID holding unit (step S1432).

  After that, before or after inputting the receipt ID at the deposit / withdrawal management server device for depositing, the password from the user who intends to deposit at the withdrawal command device or the withdrawal / management server device And a pair of personal ID are received (step S1401), and the pair of password and personal ID is transmitted as a specific request to the personal authentication server device (step S1402).

  Then, the personal authentication server device acquires a specific request composed of a pair of a password and a personal ID transmitted from the withdrawal command device or the deposit / withdrawal management server device (step S1433), and the password included in the acquired specific request It is determined whether the personal ID pair matches the password / personal ID pair held in the personal ID holding unit (step S1434). If the determination result is a match, the result information, which is information indicating that, is returned to the withdrawal command device or the deposit / withdrawal management server device (step S1435).

  Then, the pull-up command device can transmit the pull-up command only when the result information is received (step S1403A). Alternatively, if it is a deposit / withdrawal management server device, the output unit is controlled so that the receipt ID acquired only when the result information is received and the receipt information are output in association with each other (step S1403A).

    <Simple explanation of effect>

  As described above, in the deposit / withdrawal management system of this embodiment, the identity of the depositor can be authenticated. Therefore, for example, it is possible to operate in accordance with laws and regulations, and it can be expected to prevent the abuse of fraud.

0200 Payment / receipt management server device 0201 Shipping product registration unit 0202 Deposit acceptance information acquisition unit 0203 Payment completion notification unit 0204 Product receipt information acquisition unit 0205 Authentication unit 0206 Available information output unit

Claims (6)

A shipping product registration unit for acquiring a product ID for identifying a product to be shipped to a product buyer and a shipper ID for identifying a shipper of the product;
Payment acceptance information that is acquired in association with purchaser ID, which is an ID that is known only to a purchaser who identifies the purchaser of the product and uses it in this transaction, as payment receipt information, which is information indicating that there has been payment related to the purchase of the product An acquisition unit;
A payment notification section for notifying that the payment has been made to the shipper identified by the shipper ID of the product related to the payment acceptance information;
A product receipt information acquisition unit that includes a product ID and acquires product receipt information, which is information indicating that the shipped product has been received, in association with the purchaser ID;
An authentication unit that determines whether the purchaser ID acquired in association with the payment acceptance information matches the purchaser ID acquired in association with the product receipt information;
An availability information output unit that outputs availability information, which is information for enabling a shipper to use the received money item, when the decision result in the authentication unit is a match result;
A deposit / withdrawal management server device. It is possible to raise the usage limit according to the amount of deposit, and use a white card with two types of IDs, a receipt ID that can be used only for receipt and a consumption use ID that can be used for consumption A money management system,
A shipping product registration unit for acquiring a product ID for identifying a product to be shipped to a product buyer and a shipper ID for identifying a shipper of the product;
A receipt ID acquisition unit for acquiring a receipt ID of a white card to be deposited when depositing for a product purchase;
A deposit acceptance information acquisition unit for acquiring deposit acceptance information, which is information indicating that the deposit has been made, in association with a purchaser ID for identifying a purchaser of the product;
A payment notification section for notifying that the payment has been made to the shipper identified by the shipper ID of the product related to the payment acceptance information;
An output unit that associates and outputs the acquired receipt ID and the receipt information;
A product receipt information acquisition unit that includes a product ID and acquires product receipt information, which is information indicating that the shipped product has been received, in association with the purchaser ID;
An authentication unit that determines whether the purchaser ID acquired in association with the payment acceptance information matches the purchaser ID acquired in association with the product receipt information;
When it is a judgment result that the judgment result in the authentication unit is coincident, the usable information that is information for making the received money item usable by the shipper is output in association with the receipt ID. An information output unit;
A deposit / withdrawal management server device,
A receiving unit that receives the deposit acceptance information associated with the receipt ID from the withdrawal management server device;
A consumption use ID acquisition unit for acquiring a consumption use ID associated with the received white card receipt ID associated with the received receipt information from the white card ID management device;
An available information receiving unit for receiving available information associated with the receipt ID;
When receiving available information, a withdrawal command transmission unit that transmits a withdrawal command including a usage limit increase amount associated with the acquired consumption use ID;
A pulling command device having
A tied table holding unit for holding a tied table in which a consumption use ID and a receipt ID are linked;
A receipt ID receiving unit for receiving a receipt ID from the pulling command device;
A consumption use ID transmission unit that obtains a consumption use ID associated with the received receipt ID from the association table and transmits it to the pulling command device;
A white card ID management device,
Deposit and withdrawal management system consisting of. A pulling command receiver for receiving a pulling command from the pulling command device;
A usage limit amount table holding unit that holds a usage limit amount table that is a table in which a consumption usage ID and a usage limit amount are associated;
A usage limit change unit that changes the usage limit associated with the consumption usage ID in the usage limit table according to the received withdrawal command;
The deposit / withdrawal management system according to claim 2, further comprising: A shipping product registration step for acquiring a product ID for identifying a product to be shipped to a product buyer and a shipper ID for identifying a shipper of the product;
Payment acceptance information that is acquired in association with purchaser ID, which is an ID that is known only to a purchaser who identifies the purchaser of the product and uses it in this transaction, as payment receipt information, which is information indicating that there has been payment related to the purchase of the product An acquisition step;
A payment notification step for notifying the shipper identified by the shipper ID of the product related to the payment acceptance information that the payment has been made;
A product receipt information acquisition step for acquiring product receipt information that includes a product ID and that indicates that the shipped product has been received in association with the purchaser ID;
An authentication step for determining whether or not the purchaser ID acquired in association with the payment acceptance information matches the purchaser ID acquired in association with the product receipt information;
When it is a determination result that the determination result in the authentication step is coincident, an available information output step for outputting available information which is information for making the received money item available to a shipper;
Method of operating the deposit / withdrawal management server device that causes the computer to execute the process. It is possible to raise the usage limit according to the deposit amount, using a white card having two types of IDs, a receipt ID that can only be used for receipt and a consumption use ID that can be used for consumption, An operation method of a deposit / withdrawal management system comprising a deposit / withdrawal management server device, a withdrawal command device, and a white card ID management device,
A shipping product registration step for acquiring a product ID for identifying a product to be shipped to a product buyer and a shipper ID for identifying a shipper of the product;
A receipt ID acquisition step of acquiring a receipt ID of a white card to be deposited when depositing for a product purchase;
A deposit acceptance information acquisition step for acquiring deposit acceptance information, which is information indicating that the deposit has been made, in association with a purchaser ID for identifying a purchaser of the product;
A payment notification step for notifying the shipper identified by the shipper ID of the product related to the payment acceptance information that the payment has been made;
An output step of associating and outputting the acquired receipt ID and the receipt information;
A product receipt information acquisition step for acquiring product receipt information that includes a product ID and that indicates that the shipped product has been received in association with the purchaser ID;
An authentication step for determining whether or not the purchaser ID acquired in association with the payment acceptance information matches the purchaser ID acquired in association with the product receipt information;
When it is a judgment result that the judgment result in the authentication step is coincident, the usable information which is information for making the received money item usable by the shipper is output in association with the receipt ID. An information output step;
An operation method of the deposit / withdrawal management server device for causing the computer to execute
A reception step of receiving deposit acceptance information associated with the receipt ID from the withdrawal management server device;
A consumption use ID acquisition step for acquiring a consumption use ID associated with the white card receipt ID associated with the received payment acceptance information from the white card ID management device;
An available information receiving step for receiving available information associated with the receipt ID;
An increase command transmission step of transmitting an increase command including an increase in the use limit amount associated with the acquired consumption use ID when receiving the available information; and
A method of operating a pull-up instruction device that causes a computer to execute
An association table recording step for recording in order to retain an association table in which the consumption use ID and the receipt ID are associated;
A receipt ID receiving step for receiving a receipt ID from the pulling command device;
A consumption use ID transmission step of acquiring a consumption use ID associated with the received receipt ID from the association table and transmitting it to the pulling command device;
A method of operating a white card ID management device that causes a computer to execute
The operation method of the deposit and withdrawal management system consisting of. An operation method of a deposit / withdrawal management system further comprising a white card management server device,
The white card management server device
A usage limit amount table holding unit for holding a usage limit amount table that is a table in which a consumption usage ID and a usage limit amount are associated;
A pull command receiving step for receiving a pull command from the pull command device;
A usage limit change step for changing the usage limit associated with the consumption usage ID in the usage limit table according to the received withdrawal order;
The operation method of the deposit / withdrawal management system according to claim 5, wherein the computer executes the process.

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